Insurance for Families

Things to consider when choosing life insurance

The many options available for family life insurance can create a need for someone to help you understand the different choices and terminology. Gerber Life takes the guesswork out of family life insurance with articles that answer such questions as, "How does life insurance work?" and "How do I get life insurance?" Whether you're looking for a policy for an infant, child, adult or senior, we've got you covered when it comes to comprehensive information about life insurance.

  1. Can I get Life Insurance Coverage Without a Physical?

    Woman Getting A PhysicalYour current physical condition is one of the most important factors that life insurance companies consider when determining whether to approve you for a policy. For example, if you are a smoker or have been diagnosed with heart disease or have a chronic illness, you may have a more challenging time getting life insurance coverage than someone who has a better bill of health. Most life insurance companies require applicants to pass a medical exam before they will approve a policy, but not necessarily for all types of policies.

  2. Benefits of Whole Life Insurance

    Couple Discussing Whole Life InsuranceLife insurance helps ensure that the family and loved ones you leave behind are not financially burdened if you die unexpectedly. One type of life insurance is whole life insurance whose benefits are significant not only for beneficiaries but also for you while you are living.

  3. A Payment Option: Single Premium Life Insurance

    Man Considering Single Premium Life InsuranceChoosing the right type of life insurance can help ensure your family’s security in the future. One type of payment option for many kinds of insurance would be single premium life insurance, which allows you to secure your family’s well being with just a single, lump-sum payment.

    Here’s how it works.

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  4. How to Get Life Insurance

    Mother and Daughter Considering Life InsuranceLife insurance provides monetary protection for your family in the event of your death. If you have dependents, it is essential to get life insurance. However, people rarely know where to start when it comes to buying life insurance. If this decision has you overwhelmed and confused, don’t despair. The key is to research your options, consider them carefully and choose the policy that is best for you. Here are a few considerations to keep in mind when getting life insurance for the first time:

  5. The Four Different Types of Life Insurance

    Family Evaluating Life Insurance PlansThere are four different types of life insurance: variable life insurance, universal life insurance, whole life insurance and term life insurance. When purchasing life insurance for yourself or a member of your family, it’s helpful to understand the different types before making your final decision.

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